投資者的價格低於（或接近）$ 3時，投資者是否應該購買XRP？

監管變化可能是加密貨幣行業的逆風。

Investors who are bullish on the future of cryptocurrency and are willing to hold XRP for the long haul may want to consider buying the cryptocurrency now that it trades at a discount. Regulatory changes and the growing need for faster and cheaper cross-border payments could propel XRP to new heights in the coming years.

對加密貨幣未來並願意持有XRP的投資者，長期以來可能希望考慮以折扣價進行交易，可能會考慮購買加密貨幣。在未來幾年中，監管變化以及對更快，更便宜的跨境支付的需求可能會使XRP提升到新的高度。

Should investors buy XRP while its price is below (or near) $3? Here are my thoughts.

投資者的價格低於（或接近）$ 3時，投資者是否應該購買XRP？這是我的想法。

Many pundits argue that under former Chairman Gary Gensler, the Securities and Exchange Commission (SEC) waged a war against cryptocurrency. But recent changes at the regulatory agency could be tailwinds for the industry that lead to greater adoption of digital assets.

許多專家認為，在前董事長加里·根斯勒（Gary Gensler）的帶領下，美國證券交易委員會（SEC）發動了針對加密貨幣的戰爭。但是，監管機構的最新變化可能是該行業的逆風，從而導致更多采用數字資產。

In light of those changes, Morningstar analysts estimate the cryptocurrency market will be worth $7.4 trillion by the end of 2033. That implies 124% upside from the current value of $3.3 trillion, which equates to growth of 9% annually over the next nine years.

鑑於這些變化，晨星分析師估計，到2033年底，加密貨幣市場的價值將為7.4萬億美元。這意味著與當前價值3.3萬億美元相比，這意味著124％的上漲空間，在接下來的九年中每年增加9％。

I find Morningstar's prediction quite plausible, and I would expect cryptocurrencies with real utility to realize an outsize portion of the gains. XRP satisfies that condition.

我發現Morningstar的預測非常合理，我希望具有真正實用性的加密貨幣能夠實現一部分收益。 XRP滿足該條件。

The SWIFT (Society for Worldwide Interbank Financial Telecommunication) network is currently the most popular system for transferring money internationally. But SWIFT typically routes payments through one or more intermediaries, each of which charges fees, which makes transactions costly and time consuming.

Swift（全球銀行間財務電信協會）網絡目前是國際轉讓資金的最受歡迎的系統。但是Swift通常會通過一個或多個中介機構將付款路線付款，每種中介機構收取費用，這使交易昂貴且耗時。

The European Central Bank writes:

歐洲中央銀行寫道：

"While domestic payments are becoming instant and digital, cross-border payments have yet to benefit from the transformative power of digital technologies. Fees for international payments currently average 1.5% for corporates and as much as 6.3% for remittances. And it can take up to several days for these payments to reach their recipient."

“雖然國內付款正在立即和數字付款，但跨境付款尚未從數字技術的變革性中受益。目前，企業的國際付款費用平均為1.5％，匯款的費用高達6.3％。它可能會佔用。這些付款幾天才能接觸他們的接收者。”

Ripple CEO Brad Garlinghouse says the company aspires to move money seamlessly across borders. Indeed, its blockchain facilitates international payments and foreign currency exchanges in seconds by using XRP as a bridge currency.

Ripple首席執行官布拉德·加林豪斯（Brad Garlinghouse）表示，該公司渴望在邊界上無縫地賺錢。確實，其區塊鏈通過使用XRP作為橋樑貨幣來促進國際付款和外幣交流。

Fewer than 200 financial institutions have joined the Ripple network, but some industry experts anticipate greater adoption in the coming years. For instance, CEO of Sound Planning Group David Stryzewski recently told Fox Business that XRP may be the highway most financial systems drive on in the future.

不到200個金融機構加入了Ripple網絡，但是一些行業專家預計未來幾年採用的採用率會更高。例如，聲音規劃小組首席執行官David Stryzewski最近告訴Fox Business，XRP將來可能是最大的金融系統驅動器。

Similarly, former Goldman Sachs analyst Dom Kwok thinks XRP could soon overtake Ethereum as the second-most valuable cryptocurrency. Importantly, XRP's market value of $166 billion would need to increase 125% to match Ethereum's market value of $374 billion. I see two tailwinds that could make Kwok's prediction a reality:

同樣，前高盛分析師Dom Kwok認為XRP很快就會超過以太坊，成為第二個有價值的加密貨幣。重要的是，XRP的1660億美元市場價值將需要增加125％，以使以太坊的市場價值3740億美元。我看到兩個可以使Kwok的預測成為現實的後風風。